Credit Report Q&A

It depends on the type of negative information. Here's the basic breakdown of how long different types of negative information will remain on your credit report:

Late payments: 7 years

Bankruptcies: 7 years for completed Chapter 13 bankruptcies and 10 years for Chapter 7 bankruptcies.

Foreclosures: 7 years

Collections: Generally, about 7 years, depending on the age of the debt being collected.

Public Record: Generally 7 years, although unpaid tax liens can remain indefinitely.

Keep in mind:For all of these negative items, the older they are the less impact they are going to have on your FICO® score. For example, a collection that is 5 years old will hurt much less than a collection that is 5 months old.

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